You have no visibility into the fraud filters/risk modeling PayPal uses. Their controls may cost you legitimate business by declining transactions you may otherwise wish to accept.

You have no visibility into the fraud filters/risk modeling First Data uses. Their controls may cost you legitimate business by declining transactions you may otherwise wish to accept.

Transaction Dispute Resolution

You are represented by EXS Timeshare Credit Card and acquiring bank, both of which share your interest in getting paid.

Mediation service that represents both buyer and seller, making fair resolution challenging and risking the possibility of frozen funds/account.

Mediation service that represents both buyer and seller, making fair resolution challenging and risking the possibility of frozen funds/account.

Customer Support

24/7 365 Tech Support

Online Knowledge Base

Toll-free phone support

Web form e-mail

Web form e-mail

Toll-free phone support is difficult to find and available to only silver level Power Sellers and above.

Self help only.

Customer Experience

User Satisfaction

The preferred payment gateway of major credit card processors and merchants.

Only 44% of shoppers rate their shopping experience as either very good or good.*

Only 19% of shoppers rate their shopping experience as either very good or good.*

Shopper Experience

Customers can pay seamlessly without being forced to leave your site.

Checkout process is interrupted; customers must leave your site to make payments. You lose the ability to communicate with your customer—and possibly the sale.

Checkout process is interrupted; customers must leave your site to make payments. You lose the ability to communicate with your customer—and possibly the sale.

Building Your Business

Credibility and Professionalism of Your Site

Accepting credit cards directly on your site lends credibility that you have an established business. Any legitimate e-commerce site needs a stand alone shopping cart integrated with a merchant account.

PayPal is for Ebay! Many shoppers view PayPal strictly as a solution for amateur or inexperienced vendors that may not have a proven business.

You must prominently advertise on your site, whether that fits with your site design or not.

Building Your Brand

You control the look of your checkout page, either on your own site or by using our hosted payment form, allowing you to reinforce your company’s brand.

Your customers are redirected to another company’s checkout page.

Your customers are redirected to another company’s checkout page, and you have almost no ability to customize the checkout process.

You do not control access to your customer’s e-mail address, making it difficult to build your brand with your customer base.

* Survey of online shoppers conducted January 2007 by J.P. Morgan.
** Global Payments Web site (http://merchantaccounts.networksolutions .com).
This competitive information is for illustrative purposes only and is subject to change at any time. Please contact us to report information you believe to be out of date